Call reports 2002
WELLS RIVER SAVINGS BANK — 2002
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 105,987,000 | 107,271,000 | 111,786,000 | 108,772,000 |
| Total loans | 69,121,000 | 68,705,000 | 69,892,000 | 69,053,000 |
| Allowance for loan losses | 863,000 | 877,000 | 872,000 | 820,000 |
| Securities available for sale | 24,817,000 | 28,728,000 | 29,058,000 | 30,668,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,765,000 | 89,503,000 | 93,150,000 | 88,322,000 |
| Interest-bearing deposits | 79,514,000 | 79,465,000 | 82,212,000 | 78,471,000 |
| Noninterest-bearing deposits | 9,251,000 | 10,038,000 | 10,938,000 | 9,851,000 |
| Equity capital | 10,740,000 | 11,261,000 | 11,894,000 | 11,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,716,000 | 3,429,000 | 5,138,000 | 6,827,000 |
| Interest expense | 563,000 | 1,088,000 | 1,582,000 | 2,048,000 |
| Net interest income | 1,153,000 | 2,341,000 | 3,556,000 | 4,779,000 |
| Noninterest income | 133,000 | 285,000 | 436,000 | 582,000 |
| Noninterest expense | 905,000 | 1,941,000 | 2,984,000 | 4,171,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 351,000 | 625,000 | 948,000 | 1,130,000 |
| Income tax | 75,000 | 140,000 | 215,000 | 198,000 |
| Net income | 276,000 | 485,000 | 733,000 | 932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,474,000 | 10,683,000 | 10,931,000 | 11,130,000 |
| Total capital | 11,273,000 | 11,492,000 | 11,744,000 | 11,950,000 |
| Risk-weighted assets | 63,894,000 | 64,680,000 | 65,306,000 | 65,657,000 |